L&T Finance Ltd

L&T Finance Ltd Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

L&T Finance Ltd

₹ 174 0.17%
22 May 3:25 p.m.
ltfs.com BSE: 533519 NSE: LTF
About

L&T Finance Ltd. is a NBFC, offering a range of financial products and services. [1]
Company has filed requisite application for necessary registration as Systemically Important Non- Deposit Accepting Core Investment Company (NBFC-CIC)[2]

Key Points

Name Change[1]
In Mar'24, Company changed its name from "L&T Finance Holding Ltd. to L&T Finance Ltd.""

Website BSE NSE
  • Market Cap ₹ 43,416 Cr.
  • Current Price ₹ 174
  • High / Low ₹ 194 / 129
  • Stock P/E 16.4
  • Book Value ₹ 102
  • Dividend Yield 1.58 %
  • ROCE 8.71 %
  • ROE 10.8 %
  • Face Value ₹ 10.0
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Pros

  • Company has been maintaining a healthy dividend payout of 27.8%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 2.46% over past five years.
  • Company has a low return on equity of 7.09% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE 500 Nifty 500 BSE MidCap Nifty Midcap 100 Nifty 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
2,947 2,988 3,138 3,432 3,243 3,223 3,214 3,534 3,670 3,784 4,019 4,098 4,023
1,228 1,388 1,236 1,356 1,309 1,270 1,331 1,375 1,619 1,482 1,575 1,676 1,581
Operating Profit 1,719 1,600 1,902 2,076 1,934 1,953 1,882 2,159 2,051 2,302 2,444 2,422 2,442
OPM % 58% 54% 61% 60% 60% 61% 59% 61% 56% 61% 61% 59% 61%
172 187 165 -448 202 153 268 47 6 0 5 8 4
Interest 1,392 1,413 1,438 1,501 1,445 1,364 1,325 1,353 1,335 1,351 1,476 1,569 1,600
Depreciation 28 27 27 28 29 30 28 29 28 28 33 36 41
Profit before tax 470 346 601 99 662 714 797 824 694 922 940 824 806
Tax % 27% 25% 32% -356% 37% 26% 25% 22% 20% 26% 26% 24% 21%
341 261 406 453 417 531 594 639 553 685 697 626 636
EPS in Rs 1.38 1.06 1.64 1.83 2.02 2.14 2.40 2.57 2.23 2.75 2.79 2.51 2.55
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
5,221 6,456 7,440 8,532 10,215 13,365 14,104 13,353 11,930 12,775 14,252 15,924
1,230 1,625 1,979 2,776 3,308 3,377 4,160 5,401 5,233 7,938 6,195 6,304
Operating Profit 3,991 4,831 5,461 5,756 6,907 9,988 9,944 7,952 6,697 4,837 8,057 9,621
OPM % 76% 75% 73% 67% 68% 75% 70% 60% 56% 38% 57% 60%
-5 16 8 26 49 -4 370 836 594 2,795 474 16
Interest 3,081 3,577 4,133 4,635 5,458 6,882 7,552 7,230 5,765 5,812 5,387 6,007
Depreciation 80 96 83 67 52 50 82 86 103 111 115 139
Profit before tax 825 1,175 1,253 1,079 1,446 3,052 2,680 1,472 1,423 1,709 3,029 3,491
Tax % 28% 28% 32% 3% 12% 27% 37% 36% 26% 10% 24% 24%
595 855 857 1,048 1,278 2,232 1,700 949 1,049 1,536 2,317 2,643
EPS in Rs 2.82 4.04 3.97 4.83 5.11 9.06 6.90 3.93 4.33 6.55 9.32 10.60
Dividend Payout % 22% 16% 16% 13% 16% 9% 11% 0% 12% 31% 27% 26%
Compounded Sales Growth
10 Years: 9%
5 Years: 2%
3 Years: 10%
TTM: 12%
Compounded Profit Growth
10 Years: 13%
5 Years: 9%
3 Years: 46%
TTM: 14%
Stock Price CAGR
10 Years: 11%
5 Years: 29%
3 Years: 31%
1 Year: 11%
Return on Equity
10 Years: 9%
5 Years: 6%
3 Years: 7%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 1,718 1,720 1,753 1,756 1,996 1,999 2,005 2,469 2,474 2,480 2,489 2,495
Reserves 4,107 4,656 5,442 6,138 9,411 11,450 12,688 16,304 17,474 19,049 20,950 23,069
36,854 43,454 52,829 61,024 75,248 91,507 93,934 88,592 85,237 83,105 76,603 92,372
2,182 2,912 3,775 3,593 1,117 1,094 902 1,582 1,696 1,706 2,652 2,447
Total Liabilities 44,861 52,742 63,799 72,511 87,772 106,050 109,529 108,947 106,880 106,339 102,694 120,384
1,228 1,184 1,313 1,230 1,151 1,127 1,100 1,138 509 553 519 641
CWIP 140 174 22 28 19 39 62 24 22 5 36 45
Investments 2,730 2,649 3,563 6,012 5,301 8,641 5,979 8,872 11,917 14,366 12,385 11,876
40,763 48,736 58,901 65,242 81,301 96,243 102,387 98,912 94,433 91,415 89,754 107,822
Total Assets 44,861 52,742 63,799 72,511 87,772 106,050 109,529 108,947 106,880 106,339 102,694 120,384

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-6,083 -6,474 -9,213 -5,779 -15,640 -11,643 2,162 5,464 6,078 6,718 686 -16,586
-1,032 2 -675 -2,118 1,549 -3,587 160 -2,025 -5,087 -862 849 471
7,602 6,552 9,426 7,952 14,678 16,008 1,451 -2,091 -3,023 -1,664 -7,050 15,419
Net Cash Flow 487 81 -461 55 587 777 3,772 1,349 -2,032 4,193 -5,515 -697

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 2 1 1 3 5 3 2 1 0 0 6 3
Inventory Days
Days Payable
Cash Conversion Cycle 2 1 1 3 5 3 2 1 0 0 6 3
Working Capital Days 143 210 132 271 -3 11 26 13 32 2 -17 -21
ROCE % 10% 10% 10% 9% 9% 10% 10% 8% 7% 5% 8% 9%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
66.23% 66.20% 66.15% 66.11% 66.10% 66.02% 65.90% 65.86% 66.37% 66.29% 66.25% 66.24%
6.61% 6.75% 11.24% 11.35% 13.90% 12.11% 10.67% 11.04% 7.34% 6.73% 5.30% 5.48%
5.34% 5.35% 6.05% 6.58% 5.29% 7.02% 9.07% 8.69% 11.64% 12.33% 12.17% 13.28%
21.82% 21.69% 16.56% 15.96% 14.73% 14.85% 14.36% 14.39% 14.66% 14.66% 16.27% 15.01%
No. of Shareholders 7,63,7097,50,8857,07,0707,08,2376,63,7696,95,0236,87,7217,11,5557,39,1807,87,2918,76,8418,46,682

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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